First Financial Of Maryland Federal Credit Union
Headquarters
72 Loveton Cir
Sparks, MD 21152
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2024 Overview
General Credit Union Information
First Financial Of Maryland is an NCUA insured institution located in Sparks, MD. It was founded in 1953 and has approximately $1253.11 millions in assets.
Who can join?
First Financial Federal Credit Union proudly serves educators, health care workers, Federal employees and other select business groups within Maryland. To qualify for membership at First Financial, you must work for one of these groups, volunteer at one of the schools, hospitals or parishes, or in some cases, be a student of a school or college that is within their Field of Membership.
Membership is extended to members of the immediate family or household of a current First Financial member.
Field of Membership here:
https://www.firstfinancial.org/membership/seg.htm
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 8554 |
| Date Established | 1953 |
| Assets | $1,253.11 million |
| Loans | $724.32 million |
| Deposits | $969.53 million |
| Capital | $228.93 million |
Field of Membership Restrictions
Membership in First Financial Federal Credit Union is open to the following: (1) employees, students and their families of Baltimore County Public Schools and Colleges, Carroll County Public Schools, Carroll Community College, Notre Dame of Maryland University and other select schools, colleges and universities in the Baltimore area; (2) employees of Baltimore Medical Systems, MedStar Health, Random House, Carroll Health Group and other select employer groups; (3) federal employees working in downtown Baltimore.
Deposit Rates - April 20, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 20, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for First Financial Of Maryland
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to First Financial Of Maryland
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Branches
Below are First Financial Of Maryland branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
FIRST FINANCIAL OF MARYLAND is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
First Financial Of Maryland Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of First Financial Of Maryland. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| First Financial Of Maryland | U.S. Average |
|---|---|
| 1.37% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, First Financial Of Maryland had $3,088,754 in non-current loans and $93,924 in owned assets. To cover these potential losses it had $228,931,826 in net worth and $3,721,991 in loans loss reserves. That gives it a Texas Ratio of 1.37%.
Net Worth
| First Financial Of Maryland | U.S. Average |
|---|---|
| 18.27% | 13.62% |
First Financial Of Maryland FCU has a net worth of 18.27% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for First Financial Of Maryland
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